Don't Go Broke Trying

Reni, The Resource

Financial literacy is something most people know nothing about until life forces them to learn. It gets even harder when you’ve moved from another country and now must learn a completely new financial system. This podcast exists to make these complex topics, simple and to share resources that can help you avoid costly mistakes on your personal finance journey. Hear from your host, Reni the Resource, who will give her take on what she would do in certain situations. You will also hear from guests who have made financial mistakes and hear their experiences, so you don’t have to make them.

  1. 6D AGO

    Time Freedom vs Financial Independence: What You Need to Know

    If you've ever wondered how to create more time in your life without waiting decades to retire, this episode is your perfect starting point. In this thoughtful conversation, Reni sits down with Brian, author and founder of the Time Freedom movement, who explains how to design a life that prioritizes time first and not just extreme wealth. Brian shares the moment that changed his approach to freedom, the simple Time Freedom Formula he uses to map money + flexible work, and the practical steps he took to take entire summers off within three years. He also walks through real trade-offs, common mistakes people make chasing early retirement, and how flexible income and smarter planning can get you meaningful freedom sooner. Whether you want to take extended breaks, build a seasonal work schedule, or simply buy more space in your calendar, this episode makes the idea of time freedom practical, realistic, and actionable. What You’ll Learn in This Episode: The difference between financial independence and time freedom Brian’s Time Freedom Formula: how money + flexible work = earlier freedom Practical steps to create flexible income and map a calendar-based lifestyle How to model different scenarios (college, healthcare, big life expenses) so you don’t run out of money while taking time off The trade-offs you’ll face when choosing freedom over extreme wealth and how to decide what matters to you Common mistakes people make when chasing freedom and how to avoid being pulled back into the status quo Whether you’re mid-career, running a business, or just curious about designing life differently, this episode gives you the mindset and tools to start building time into your life now without going broke trying. Connect With Brian:  Instagram:https://www.instagram.com/timefreedomlife?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw== Website: https://timefreedom.life/  Resources Mentioned: Time Freedom Calculator: https://timefreedomcalculator.com/   Buy Brian’s Book: https://timefreedom.life/  Brian’s Time Freedom Podcast: https://podcasts.apple.com/us/podcast/the-time-freedom-podcast/id1676158930  If you want more time freedom, Brian has a special offer for Don't Go Broke Trying listeners: Pre-order Time Freedom Book → get the audiobook FREE today Go to timefreedombook.com Order one paperback from your favorite retailer Enter your order# plus code RENI The audiobook hits your inbox now, and your paperback arrives in September.  Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about Connect With Us! Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying  Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni  Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠ Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠ Subscribe to Reni's YouTube: https://youtube.com/xoreni DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

    18 min
  2. JAN 29

    Coinfessions: When Money Tests Your Relationships

    In this episode of Don’t Go Broke Trying, Reni is back with another round of Coinfessions, unpacking tough money dilemmas that sit at the intersection of finances, values, and relationships. From a husband demanding his wife quit her job, to parents navigating how much financial transparency is too much for kids, to friendships and weddings strained by money expectations, nothing is off-limits. With honesty and real-world perspective, Reni breaks down who’s being reasonable, who’s crossing boundaries, and what financial self-protection really looks like in everyday life. What you'll learn in this episode: How money conversations can shape a child’s future mindset Why “doing the easy thing” financially isn’t always the right thing How to navigate career vs marriage conflicts without sacrificing financial security How to repair relationships after money mistakes Wedding etiquette around last-minute cancellations How generosity (or lack of it) reveals people’s true values If you’ve ever felt conflicted about money and the people you love, this episode will help you think more clearly and respond with confidence. Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about Connect With Us! Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying  Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni  Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠ Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠ Subscribe to Reni's YouTube: https://youtube.com/xoreni DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

    28 min
  3. JAN 15

    How To Raise Financially Literate Kids

    In this special FinCon edition of Don’t Go Broke Trying, Reni is joined by a very familiar guest — her dad, Bode the Finance Dad for a heartfelt and practical conversation about raising kids who truly understand money. Recorded live at the Adobe Podcast booth in Portland, this short but powerful episode breaks down the early habits, lessons, and mindsets that shape a child’s financial future. Bode shares how he went from not understanding money to becoming financially savvy through self-education and how he passed that financial literacy down to his daughters starting as early as age two. Together, they dive into: Why financial literacy should start early Practical ways to teach kids about needs vs wants How to use allowance, real cash, and everyday moments as teaching tools The MKM Formula (Make, Keep, Multiply) and why it’s the key to generational wealth How parents can model healthy money habits without burdening their kids Whether you’re a parent, future parent, or someone healing from childhood money lessons, this episode offers simple, relatable, and actionable insights you can start using today. Tune in to learn how to raise financially confident kids and make sure you don’t go broke trying. Connect With Bode, the Finance Dad: Instagram: https://www.instagram.com/bode.thefinancedad/?hl=en  Resources Mentioned: 17 to Millionaire by Douglas Price  Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about Connect With Us! Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying  Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni  Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠ Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠ Subscribe to Reni's YouTube: https://youtube.com/xoreni DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

    25 min
  4. 09/12/2025

    Don’t go broke trying to have a baby with IVF (Part 2)

    This is Part Two of Efe’s powerful story on Don’t Go Broke Trying. If you haven’t listened to Part One yet, we recommend starting there before coming back to this episode for the full picture. In this episode, Reni continues her honest conversation with Efe about her IVF journey. Efe opens up about the pain of miscarriage, the support of her husband, and how her faith and finances carried her through. She also shares how IVF changed the way she thinks about money, why choosing the right partner is so important, and the advice she has for families who may be considering IVF. This episode is full of real lessons about money, love, faith and resilience. What you’ll learn in this episode: How Efe found resilience and strength through faith during her most painful moments Why the right partner can make all the difference in the IVF journey The ongoing physical and emotional toll IVF takes, even after birth Practical steps to prepare financially for IVF without going broke Why motherhood is more than just giving birth Efe’s advice for families considering IVF Whether you’re preparing for IVF yourself or supporting someone on that journey, this episode is a heartfelt reminder of the courage, faith, and that with the right support, planning, and mindset, you can hold onto your dream of family without losing financial stability. Connect With Efe: Instagram: https://www.instagram.com/efefruci?igsh=MTRkZmZsMnBmZzExNw== Linkedin: https://www.linkedin.com/in/efefruci  Efe’s website: https://www.efefruci.com/  Resources Mentioned: Efe’s TED Talk: https://www.youtube.com/watch?v=r5L8BiR718s  Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about Connect With Us! Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying  Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni  Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠ Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠ Subscribe to Reni's YouTube: https://youtube.com/xoreni DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

    35 min
  5. 09/05/2025

    Don’t Go Broke Trying to have a Baby with IVF

    In this episode of Don’t Go Broke Trying, Reni sits down with Efe, who shares her five-year journey through IVF from the emotional rollercoaster to the heavy financial realities that come with trying to conceive this way. This is Part 1 of Efe’s story, where she opens up about the physical, emotional, and financial toll of IVF while breaking down the hidden costs that most people never talk about. What you’ll learn in this episode: What government funding and insurance actually cover and what they don’t The emotional and physical toll of IVF treatments The step-by-step IVF process explained in simple terms The hidden costs of IVF beyond treatment The true financial costs of IVF in Canada Smart financial strategies for the journey through IVF Whether you’re planning for IVF or just want to understand the realities behind the headlines, this episode is a powerful reminder of the resilience and preparation required to grow a family, without going broke trying. Stay tuned for Part 2, releasing next week, where Efe dives even deeper into her journey and the lessons she learned along the way. Connect With Efe: Instagram: https://www.instagram.com/efefruci?igsh=MTRkZmZsMnBmZzExNw== LinkedIn: https://www.linkedin.com/in/efefruci Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about Connect With Us! Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying  Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni  Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠ Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠ Subscribe to Reni's YouTube: https://youtube.com/xoreni DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

    46 min
  6. 08/22/2025

    Coinfessions: The Messy Side of Love, Family and Money

    In this episode of Don’t Go Broke Trying, Reni is back with another round of Coinfessions. From a wife wanting to retire from lottery winnings, to a boyfriend with poor financial habits, to a parent demanding a cut of their child’s inheritance, Reni shares her honest thoughts on what’s smart, what’s risky, and what she’d do differently. She also unpacks the tricky topic of money in families and relationships, like setting financial boundaries, protecting yourself from a partner’s money mistakes, and knowing when it’s time to walk away. What you'll learn in this episode: How to deal with a partner who isn’t financially responsible Why setting money boundaries is a form of self-protection The dangers of ignoring money red flags in relationships When it’s okay to say no to family financial demands Reni’s honest take on balancing love, loyalty, and money Whether you’re married, dating, or navigating money with family, this episode will give you practical insights to handle financial conflicts with confidence and clarity. Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about Connect With Us! Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying  Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni  Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠ Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠ Subscribe to Reni's YouTube: https://youtube.com/xoreni DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

    31 min
  7. 08/08/2025

    How to Invest the Halal Way Without Going Broke

    If you've ever wondered how to build wealth as a Muslim without compromising your values, this episode is your perfect starting point. In this insightful conversation, Reni sits down with Shakira, a halal investing advocate, who breaks down the fundamentals of faith-conscious investing. From screening stocks and ETFs to navigating crypto, mortgages, and real estate, she explains what’s halal, what’s not, and how to confidently take control of your financial future. She also outlines the exact steps a new Muslim investor should take from opening a brokerage account and funding a TFSA, to choosing halal ETFs, purifying dividends, and monitoring compliance quarterly. What You’ll Learn in This Episode:  What halal investing really means and how it works Tools and platforms to screen halal investments  How to start building your investment portfolio the halal way What “halal” and “haram” mean in the context of money and investing  The best apps to check if an investment is halal How to transition out of non-halal investments (without panic or guilt) Whether you're just starting out or seeking a values-aligned way to grow your money, this episode is packed with clarity, practical steps, and thoughtful insights. Resources Mentioned Manzel: https://manzil.ca/ Wahed: https://www.wahed.com/global Ijara CDC: https://ijaracdc.com/ Zoya: https://zoya.finance/ Islamicly: https://www.islamicly.com/ Musaffa: https://musaffa.com/ Connect With Shakira:  Instagram: https://www.instagram.com/halaldividends/ Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about Connect With Us! Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying  Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni  Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠ Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠ Subscribe to Reni's YouTube: https://youtube.com/xoreni DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

    52 min

Ratings & Reviews

4.9
out of 5
7 Ratings

About

Financial literacy is something most people know nothing about until life forces them to learn. It gets even harder when you’ve moved from another country and now must learn a completely new financial system. This podcast exists to make these complex topics, simple and to share resources that can help you avoid costly mistakes on your personal finance journey. Hear from your host, Reni the Resource, who will give her take on what she would do in certain situations. You will also hear from guests who have made financial mistakes and hear their experiences, so you don’t have to make them.

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